Self Lender Inc
Consumer Complaints
There are over 54 complaints on file for Self Lender Inc. Dated between 2019-12-02 and 2017-03-27.
Complaints Page 2
2019-02-19
Douglasville, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-02-08
Newark, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: self lender/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-04
Douglasville, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-04
Tampa, FL
Confusing or misleading advertising or marketing
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: XXXX XXXX keeps on report to the credit bureau negative information about me. I did contact them twice, they're referring me to another company name : self lender. In wich they have provided me with a phone number XXXX However, when ever I try to reach them, they never picked up the call. I need your help. I don't have much credit, now it getting worse, because of those people who did offer me a service, then you can't declined it
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-16
Mercer, PA
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2019-01-09
Saginaw, MI
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-08
IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: I open an account with XXXX XXXX XXXX of New Jersey back on XX/XX/2018, it was reporting to XXXX for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2019-01-08
Itasca, IL
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble closing card
Complaint: www.selflender.com.. They will not refund my money and they keep charging my bank after i closed the account and refuse to pay me my money paid onto the credit rebuilder program. I need the money asap.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-03
Bentley, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Self lender failed to withdraw the XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2018-12-27
San Francisco, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Re : XXXX XXXX XXXX Self Lender Account XXXX Dispute I wrote and called to them to request a letter of deletion for my records for this account. I have checked my credit reports for all 3 bureaus and see that the derogatory information from XXXX ( XXXX XXXX XXXX is partner for Self Lender ) for the above referenced account is still on my XXXX Credit Report. I started this self lender account to help my credit and due to an accounting error in the 1st month, every month Ive had this account opened they reported it as 30 days late. I need this entire account removed from my XXXX credit profile completely and immediately.
Please forward the letter of deletion to me at my fax number XXXX and also mail me a hard copy. I am in the middle of a very important real estate transaction and this information is causing significant delays.
I spoke to someone at XXXX about this issue some months ago and the information was removed from XXXX and XXXX but not from XXXX
XXXX XXXX XXXX failed to properly setup the automatic withdrawal to pay the monthly amount from the beginning of the process as I requested and setup.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-19
Palos Park, IL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-11-06
Fayetteville, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2018-10-12
Smyrna, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Self Lender ( XXXX XXXX ) is showing a late payment on my account from XX/XX/2018 and this late payment have dropped my credit score about 40 points. I have never been late on my self lender account. Every month since I have gotten the account self lender automatically drafts the money out of my account so I was surprised that I got a late payment from them. That is almost impossible to happen if they are using the same account information every month to draft the payments. When I did contact Self lender about the reporting of a late payment on my credit they said that they tried to call me and left me a voicemail. That is a lie I have never received a call or voicemail from self lender. I check my voicemails everyday. My credit is so important to me if I had known that there could of been an issue with my account I would of done everything to fix it. I was never late on my self lender account. This company is very unprofessional and I would not be recommending them to anyone.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-09-20
Jacksonville, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2018-09-03
FM
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I applied for a self lender account to help build my credit. I was denied due to the fraudulent XXXX XXXX XXXX account that is being reported to XXXX by XXXX XXXX XXXX. I have provided several times the police report associated with the fraudulent account to XXXX XXXX XXXX Check Digital Fraud Claims department several times but the account still has not been deleted from my XXXX report.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2018-07-26
Arsenal, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I started a self lender acct in XX/XX/XXXX for credit improvement. I agreed to pay {$50.00} monthly for 12 months, any the end of the 12 months I would get my money back, in the meantime each month when payments are mad it is reported to all 3 credit bereaus as positive reporting. On XX/XX/XXXX I received an email stating my acct has been closed, and I was notified my credit score dropped 120 points. When I contacted self lender they stated they would need to look into it, as I did my research I realized once my checking acct was closed due to fraud the payment did not automatically go through for XXXX. Self Lender reported that I had not made a payment since XX/XX/XXXX to all 3 CRAs! This information is inaccurate, and is currently and drastically effected my credit score. I have contacted self lender 5x and it has been over a month, and yet they still have no answer, and I was told they are working on the issue with their banking partners. This needs to be fixed ASAP or I am seeking legal representation!
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2018-06-03
York, PA
Incorrect information on your report
Payday loan, title loan, or personal loan: Personal line of credit
Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-05-29
MS
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: A self lender account was open in my name without my consent. When an alert was sent out to me I immediately contacted XXXX about the self lender account. They immediately closed the account and told me that no one will be able to reopen an account in my name. The damage had already been done because a late payments was put on all three of my credit reports which in result cause about a 30 point drop on all three credit report. I disputed the account as well but it not fair for me to lose my points and not regain them due to an account being open without my knowledge. I feel this is a problem that need to be fix asap.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2018-05-23
Martinsburg, WV
Problem with a credit reporting company's investigation into an existing problem
Payday loan, title loan, or personal loan: Installment loan
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I had an account with this company last year to build my credit score. There was an issue when I switched banks the website would not allow me to add my banking information. I was late on my payment because I could not pay my bill online and there was no other way to pay it. I called the company to fix the issue and I emailed them and it wasn't fixed. my credit score has been impacted by this reporting because I was reported as being 60 days late. I tried to just use this information with the credit bureaus with no success and the company will not budge on its reporting of my payment history which is upsetting because rather than build my credit it actually hurt it
Company Response: Closed with explanation
2018-05-14
Laramie, WY
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I took a {$550.00} credit builder loan from selflender, in the form of the loan going into a CD, then I recevie the funds when the loan is paid off and the CD matures. When I signed up, it was advertized have access to your money when the loan is paid off, and the CD matures. Well my loan was paid off early, and my CD matured XX/XX/XXXX. I have yet to receive my funds and it is now XX/XX/XXXX. Ive tried calling and im given the excuse that it takes time to make sure everything has been paid as agreed. Well when I made my last payment on my selflender account online, it told me right away i was paid off, why so much extra time? Problem is, I planned a vehicle purchase around the return of this money to pay my tags on my new car. They come to {$540.00}, I am supposed to receive via ACH direct deposite XXXX.. More than enough to pay my tags. To me, 10 days is more than enough time to receive my funds. But because selflender is playing with my my money like its a game, I am now going to have penalty late fees on my tags, along with having to park my brand new vehicle that I'm making payments on because it can not be legally driven after XX/XX/XXXX, tomorrow.. So now my money I am suppose to receive is not going to be enough to cover tags and penalty fees together, along with not being able to drive a brand new vehicle being paid for by me. I'm loosing money at all angles here because selflender is playing with my money.. Im being told a total of 14days to receive my money. For an ACH direct deposit? Ridiculous. Who is compensating me for this loss? I can take take further legal action if needed.
Company Response: Closed with explanation
2018-05-07
MD
Problem with customer service
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: XX/XX/XXXX My complaint is being filed against : Self Lender.com XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To whom this may concern : I have contact the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.
I spoke to Self Lender and we agreed to close my account because my employment was not stable because my store was closing on XX/XX/XXXX. Self Lender sent my deposit check back to me minus fees and 4 days ago closed my account and You incorrectly posted my account has 60 days late and closed.
Self Lender has ruined my credit score, My XXXX score dropped from XXXX to XXXX in one day.
My XXXX score dropped from XXXX to XXXX in one day.
I am contacting the CFPB and filing a complaint.
I sent Self Lender an email this morning and have not heard from Self Lender yet.
I am seeking the Self Lending account removed from my credit report and my score updated to reflect my previous score. This has been a terrible experience. I thought Self Lender would help increase my score not destroy it.
Thank you CFPB for you assistance in this matter, Thank XXXX for you helping consumers.
Yours Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-21
Magnolia, TX
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I paid my account off on XX/XX/2018 and I am being told that it would take 10 to 14 days before I get my funds back on the account. This excessive time frame was never disclosed. When closing an account out at a bank it does not take 10 to 14 days. Typically a bank will give you your funds the same day the account is closed. I called an asked for an explanation of the 10 to 14 days and no good explanation was given. According the to the person I got on the phone the bank has some sort of things they need to check on the account which does not make any sense. Rep could not explain any thing further.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-03-16
Wesley Chapel, FL
Incorrect information on your report
Payday loan, title loan, or personal loan: Installment loan
Account information incorrect
Complaint: I do not recall having this account and I do not recall ever paying late on a account that Im not sure that I myself opened
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-12
Arlington, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I recently paid off an account with Self Lender ( XXXX XXXX XXXX ). They are reporting my payment from XX/XX/XXXX as late but it was made early as I made 2 payments on XX/XX/XXXX, and another on XX/XX/XXXX.
Shortly after I paid on XX/XX/XXXX, my online account reflected that XX/XX/XXXX was " Paid early. '' When I paid again in XX/XX/XXXX, I assumed it would be applied to XX/XX/XXXX payment.
I have requested a goodwill late payment removal of this payment on account of my typically paying early on this account, but after review of my original loan documents, there is nothing there barring early payments. The documents do not state that early payments do not count toward the next month 's payment. The terms state that : " I may pay without penalty all or a portion of the amount owed earlier than it is due.
Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. '' If early payments aren't applied toward the next month 's payment, I don't understand why my online account reflected that XX/XX/XXXX was " Paid early '' after my 2 payments in XX/XX/XXXX. I also don't understand why the account agreement doesn't state " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule '' versus " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. ''
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-01-19
Tibbs, MS
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: Upon reviewing information regarding my Self Lender loan I noticed that I had a pending transaction that I did not authorize on Friday, XXXX XXXX, XXXX in the amount of {$50.00}. On Tuesday, XXXX XXXX, XXXX I did authorize a payment in the amount of {$48.00}. So I called my bank to determine if they had a transaction pending from Self Lender in the amount of {$50.00} and they could not find the pending transaction that was listed on my Self Lender account. I also learned that my account was overdrafted because of a withdraw from Self Lender. So I then called Self Lender 's XXXX number to have the transaction stopped because I did not authorize the payment on XXXX XXXX and did not want to pay any additional fees. I was put on hold for over 10 minutes twice and the phone call was never answered. I contacted someone on chat on the website and received an answer. While speaking the XXXX ( I believe ) I was informed that a transaction could be pending for two to four business days before it is withdrawn from your account, that it could take up to seven day for it to update on the website and that the transaction could not be canceled before the representative rudely disconnected the chat message with me. When I attempted to use the chat again it says that it was unavailable and the office was closed. This is the second time in a row that Self Lender has held a payment until my account balance is low and attempted to withdraw funds. I believe it is in an effort to collect late fees and insufficient funds fees.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation